Creditreport 4576665881

CREDIT REPORT
TIFFANY BROOKS
Report Confirmation
4576665881
Dear TIFFANY BROOKS:
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TIFFANY BROOKS | Mar 16, 2024 Page 2 of 139

1. Summary
Review this summary for a quick view of key information contained in your Equifax Credit Report.
Report Date Mar 16, 2024
Credit File Status File Blocked For Promotional Purposes
Alert Contacts 0 Records Found
Average Account Age 4 Years, 10 Months
Length of Credit History 13 Years, 4 Months
Accounts with Negative Information 10
Oldest Account CAPITAL ONE (Opened Nov 27, 2010)
Most Recent Account CAPITAL ONE (Opened Jan 05, 2024)
Credit Accounts
Your credit report includes information about activity on your credit accounts that may affect your credit score and rating.
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment
Revolving 4 3 $4,153 $3,447 $7,600 55.0% $141
Mortgage
Installment 9 9 $100,190 $23,166 $123,356 81.0% $1,553
Other 2 0 $0 $3,355 $3,355 0.0% $3,355
Total 15 12 $104,343 $29,968 $134,311 38.0% $5,049
Other Items
Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may
affect your credit score and rating.
Consumer Statements 0 Statements Found
Personal Information 12 Items Found
Inquiries 40 Inquiries Found
Most Recent Inquiry TRUSTED ID/EQUIFAX Mar 16, 2024
Public Records 0 Records Found
Collections 0 Collections Found

2. Revolving Accounts
Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards.
2.1 KOHLS/CAPITAL ONE
Summary
Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's
calculated by dividing an account's reported balance by its credit limit.
Account Number xxxxxxxxxxxx 9661 Reported Balance $1,417
Account Status PAYS_AS_AGREED Available Credit
Account History
The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit,
credit limit, amount past due, activity designator, and comments.
Balance
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022 $841 $912 $901 $870 $848 $827 $816
2023 $805 $1,525 $1,490 $1,496 $1,433 $1,409 $1,360 $1,344 $1,375
2024 $1,360 $1,396
Available Credit
2022
2023
2024
Scheduled Payment
2022 $29 $29 $29 $29 $29 $29 $29
2023 $29 $29 $51 $80 $50 $49 $48 $47 $46
2024 $47 $47
Actual Payment

2022 $50 $30 $30 $50 $30 $30 $30
2023 $30 $60 $60 $100 $60 $100 $50 $100
2024 $50 $50
High Credit
2022 $1,182 $1,182 $1,182 $1,182 $1,182 $1,182 $1,182
2023 $1,182 $1,525 $1,525 $1,525 $1,525 $1,525 $1,525 $1,525 $1,525
2024 $1,525 $1,525
Credit Limit
2022 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000
2023 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000
2024 $3,000 $3,000
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a
payment was past due; the letters indicate other account events, such as bankruptcy or collections.

2024
2023
2022
2021
2020
2019
2018
2017
Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due
150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account
CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available
Account Details
View detailed information about this account. Contact the creditor or lender if you have any questions about it.
High Credit $1,525 Owner INDIVIDUAL
Credit Limit $3,000 Account Type REVOLVING
Terms Frequency MONTHLY Term Duration 0
Balance $1,417 Date Opened Sep 12, 2014
Amount Past Due Date Reported Mar 08, 2024
Actual Payment Amount $50 Date of Last Payment Mar 2024
Date of Last Activity Mar 2024 Scheduled Payment Amount $49
Months Reviewed 99 Delinquency First Reported
Activity Designator Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount
Balloon Payment Date Balloon Payment Amount
Loan Type Charge Account Date Closed
Date of First Delinquency

Comments Contact
KOHLS/CAPITAL ONE
PO BOX 3115
MILWAUKEE, WI 53201
1-800-564-5740

2.2 CITICARDS CBNA (CLOSED)
Summary
Account Status CHARGE_OFF Available Credit
Account History
Balance
2022 $3,022 $3,018 $3,076 $3,085 $3,727
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $85 $92 $119 $140
2023
2024
Actual Payment
2022

2023
2024
High Credit
2022 $3,055 $3,055 $3,076 $3,085 $3,649
2023
2024
Credit Limit
2022 $3,000 $3,000 $3,000 $3,000 $3,000
2023
2024
Amount Past Due
2022 $1,467
2023
2024
Activity Designator
2022 C
2023
2024
Comments 1
Date Comment
05/2022 Charged off account
Comments 2
Date Comment
05/2022 Account closed by credit grantor

Payment History
2024 CO CO
2023 120 150 CO CO CO CO CO CO CO CO CO CO
2022 30 60 90
2021
2020
2019
Account Details
Balance $3,727 Date Opened Oct 03, 2019
Amount Past Due $1,508 Date Reported Mar 07, 2024
Actual Payment Amount Date of Last Payment Sep 2022
Date of Last Activity Scheduled Payment Amount
Months Reviewed 53 Delinquency First Reported Mar 2023
Activity Designator CLOSED Creditor Classification UNKNOWN
Loan Type Credit Card Date Closed
Date of First Delinquency Aug 2022

Comments Contact
Charged off account CITICARDS CBNA

5800 SOUTH CORPORATE PLACE MAIL CODE 234
Account closed by credit grantor
SIOUX FALLS, SD 57108

2.3 BARCLAYS BANK DELAWARE (CLOSED)
Summary
Account Number xxxxxxxx 6951 Reported Balance $2,425
Account History
Balance
2022 $1,453 $1,434 $1,806 $1,754 $1,726 $1,758 $2,425
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $48 $45 $53 $64 $58
2023
2024
Actual Payment
2022 $150 $50 $100 $70 $60

2023
2024
High Credit
2022 $1,784 $1,784 $1,806 $1,806 $1,806 $1,806
2023
2024
Credit Limit
2022 $1,770 $1,770 $1,770 $1,770 $1,770 $1,770 $1,770
2023
2024
Amount Past Due
2022 $2,425
2023
2024
Activity Designator
2022 C
2023
2024
Comments 1
Date Comment
03/2022 Account acquired from another lender
Comments 2

Date Comment
Payment History
2024 CO CO
2023 30 60 90 120 150 180 CO CO CO CO CO CO
2022
2021
2020
2019
Account Details
High Credit Owner INDIVIDUAL
Balance $2,425 Date Opened Apr 07, 2019
Amount Past Due $2,425 Date Reported Mar 01, 2024
Actual Payment Amount Date of Last Payment Oct 2022
Deferred Payment Start Date Charge Off Amount $1,698

Loan Type Credit Card Date Closed Mar 2023
Date of First Delinquency Dec 2022
Comments Contact
Charged off account BARCLAYS BANK DELAWARE

125 S WEST STREET BARCLAYS BANK/OLD NAVY
WILMINGTON, DE 19801
1-866-225-9725

2.4 CAPITAL ONE
Summary
Account Number xxxxxxxxxxxx 7541 Reported Balance $302
Account History
Balance
2022
2023
2024 $302
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023
2024 $25
Actual Payment
2022

2023
2024
High Credit
2022
2023
2024 $386
Credit Limit
2022
2023
2024 $500
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2024

Account Details
High Credit $386 Owner INDIVIDUAL
Credit Limit $500 Account Type REVOLVING
Balance $302 Date Opened Jan 05, 2024
Amount Past Due Date Reported Feb 23, 2024
Actual Payment Amount Date of Last Payment Feb 2024
Date of Last Activity Feb 2024 Scheduled Payment Amount $25
Comments Contact
CAPITAL ONE
PO BOX 31293
SALT LAKE CITY, UT 84131
1-800-955-7070

2.5 JPMCB - CARD SERVICES (CLOSED)
Summary
Account History
Balance
2022 $7,256 $7,092 $8,627 $8,545 $8,935 $10,288
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $204 $207 $266 $281 $329
2023
2024
Actual Payment
2022

2023
2024
High Credit
2022 $8,958 $8,958 $8,958 $8,958 $8,958
2023
2024
Credit Limit
2022 $8,800 $8,800 $8,800 $8,800 $8,800 $8,800
2023
2024
Amount Past Due
2022 $10,288
2023
2024
Activity Designator
2022 C
2023
2024
Comments 1
Date Comment
Comments 2
Date Comment

Payment History
2024 CO
2023 150 180 CO CO CO CO CO CO
2022 30 60 90 120
2021
2020
2019
Account Details
Balance $10,288 Date Opened Nov 20, 2019
Amount Past Due $10,288 Date Reported Feb 16, 2024
Actual Payment Amount Date of Last Payment Aug 2022
Loan Type Flexible Spending Credit Card Date Closed
Date of First Delinquency Sep 2022

Comments Contact
Charged off account JPMCB - CARD SERVICES

301 N WALNUT ST, FLOOR 09
1-800-945-2000

2.6 FORTIVA/TBOM
Summary
Account History
Balance
2022
2023
2024 $2,513 $2,434
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023
2024 $67 $67
Actual Payment
2022

2023
2024 $52 $67
High Credit
2022
2023
2024 $2,513 $2,513
Credit Limit
2022
2023
2024 $4,000 $4,000
Amount Past Due
2022
2023
2024 $0
Activity Designator
2022
2023
2024
Comments 1
Date Comment
01/2024 Consumer disputes after resolution
02/2024 Consumer disputes after resolution
Payment History

2024
2023 TN
Account Details
Actual Payment Amount $67 Date of Last Payment Feb 2024
Comments Contact
Consumer disputes after resolution FORTIVA/TBOM

5 CONCOURSE PARKWAY
ATLANTA, GA 30328
1-877-785-7908

2.7 COMENITYBANK/VICTORIASSECRET (CLOSED)
Summary
Account History
Balance
2022 $3,159 $3,023 $2,938 $2,847 $3,442
2023 $3,386 $3,333 $3,242 $3,149 $3,049
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $155 $150 $145 $140 $170
2023 $165 $165 $160 $155 $150
2024
Actual Payment
2022 $170 $200 $150 $150

2023 $175 $175 $175 $175 $175
2024
High Credit
2022 $3,764 $3,764 $3,764 $3,764 $3,764
2023 $3,764 $3,764 $3,764 $3,764 $3,764
2024
Credit Limit
2022 $4,550 $4,550 $4,550 $4,550 $3,150
2023 $3,150 $3,150 $3,150 $3,150 $3,150
2024
Amount Past Due
2022 $905
2023 $900 $890
2024
Activity Designator
2022
2023
2024
Comments 1
Date Comment
03/2022 150 days past due
Payment History

2024
2023 150 150 150
2022 30 60 90 120
2021
2020
2019
2018
2017
Account Details
Balance $0 Date Opened Apr 06, 2012
Actual Payment Amount Date of Last Payment Jul 2023
Date of Last Activity Jul 2023 Scheduled Payment Amount
Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN
Loan Type Charge Account Date Closed Jul 2023

Comments Contact
Account paid for less than full balance COMENITYBANK/VICTORIASSECRET

3100 EASTON SQUARE PL
COLUMBUS, OH 43219

2.8 DISCOVER BANK (CLOSED)
Summary
Account History
Balance
2022 $5,765 $5,990 $5,946 $6,104 $7,254
2023
2024 $6,336
Available Credit
2022
2023
2024
Scheduled Payment
2022 $121 $137 $140 $288
2023
2024
Actual Payment
2022

2023
2024
High Credit
2022 $5,980 $5,990 $5,990 $6,104
2023
2024
Credit Limit
2022 $6,000 $6,000 $6,000 $6,000 $6,000
2023
2024 $6,000
Amount Past Due
2022 $7,254
2023
2024 $6,336
Activity Designator
2022
2023
2024
Comments 1
Date Comment
Payment History

2024 CO
2023 120 150 180 CO CO CO CO CO CO CO CO CO
2022 30 60 90
2021
2020
Account Details
Balance $6,336 Date Opened Aug 31, 2020
Amount Past Due $6,336 Date Reported Feb 15, 2024
Date of First Delinquency Aug 2022

Comments Contact
Charged off account DISCOVER BANK

PO BOX15316 ATT:CMS/PROD DEVELOP
1-800-347-2683

2.9 COMENITYCAPITAL/CHLDPLCE
Summary
Account History
Balance
2022 $150
2023 $73 $37 $0
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $35
2023 $35 $35
2024
Actual Payment
2022 $28

2023 $80 $38
2024
High Credit
2022 $191
2023 $191 $191 $191
2024
Credit Limit
2022 $100
2023 $100 $100 $100
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2024
2023

2022
2021
2020
2019
Account Details
Balance $0 Date Opened Aug 06, 2019
Actual Payment Amount Date of Last Payment Mar 2023
Date of Last Activity Mar 2023 Scheduled Payment Amount
Loan Type Charge Account Date Closed
Comments Contact
COMENITYCAPITAL/CHLDPLCE
PO BOX 182120
COLUMBUS, OH 43218

2.10 CITICARDS CBNA (CLOSED)
Summary
Account History
Balance
2022 $291 $537 $466 $531 $584 $632
2023 $612 $592
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $81 $79 $20 $20 $20 $20
2023 $20 $20
2024
Actual Payment
2022

2023
2024
High Credit
2022 $2,778 $2,778 $2,778 $2,778 $2,778 $2,778
2023 $2,778 $2,778
2024
Credit Limit
2022 $570 $570 $570 $570 $570 $570
2023 $570 $570
2024
Amount Past Due
2022 $80
2023 $80 $80
2024
Activity Designator
2022 C
2023 C C
2024
Comments 1
Date Comment
Comments 2

Date Comment
Payment History
2023 90 90 90
2022 30 60
2021
2020
2019
Account Details
Amount Past Due Date Reported Jul 20, 2023
Actual Payment Amount Date of Last Payment Apr 2023
Date of Last Activity Apr 2023 Scheduled Payment Amount

Loan Type Credit Card Date Closed Sep 2022
Comments Contact
Account paid for less than full balance CITICARDS CBNA

5800 SOUTH CORPORATE PLACE MAIL CODE 234
SIOUX FALLS, SD 57108

2.11 CAPITAL ONE (CLOSED)
Summary
Account History
Balance
2022
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023
2024
Actual Payment
2022

2023
2024
High Credit
2022
2023
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2023
2022

2021
2020
Account Details
Balance $0 Date Opened Dec 13, 2020
Amount Past Due Date Reported Jun 24, 2023
Date of Last Activity Mar 2021 Scheduled Payment Amount
Loan Type Credit Card Date Closed Jun 2023
Comments Contact
Account closed by credit grantor CAPITAL ONE

PO BOX 31293
1-800-955-7070

2.12 UPGRADE INC (CLOSED)
Summary
Account Number xxxxx 1611 Reported Balance $0
Account History
Balance
2022 $993 $971 $971 $1,058
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $45 $45 $46
2023
2024
Actual Payment
2022 $49 $46

2023
2024
High Credit
2022 $1,005 $1,005 $1,005
2023
2024
Credit Limit
2022 $1,500 $1,500 $1,500 $1,500
2023
2024
Amount Past Due
2022 $1,058
2023
2024
Activity Designator
2022
2023
2024
Comments 1
Date Comment
07/2022 Fixed rate
08/2022 Fixed rate
10/2022 Fixed rate

Comments 2
Date Comment
08/2022 Fixed rate
Payment History
2023 30 60 90
2022
Account Details
Balance $0 Date Opened Jun 02, 2022
Amount Past Due Date Reported Apr 30, 2023
Months Reviewed 10 Delinquency First Reported Feb 2023
Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN
Deferred Payment Start Date Charge Off Amount $948
Loan Type Line of Credit Date Closed
Date of First Delinquency Nov 2022

Comments Contact
Charged off account UPGRADE INC

275 BATTERY STREET 22ND FLOOR
Fixed rate
SAN FRANCISCO, CA 94111
1-855-997-3100

Summary
Account History
Balance
2022 $4,055 $4,016 $4,052 $4,059 $4,337
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $185 $190 $195 $205
2023
2024
Actual Payment
2022 $85 $186 $191 $197

2023
2024
High Credit
2022 $4,080 $4,080 $4,614 $4,080
2023
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022 $4,337
2023
2024
Activity Designator
2022
2023
2024
Comments 1
Date Comment
03/2022 Fixed rate
04/2022 Fixed rate
05/2022 Fixed rate
06/2022 Fixed rate

Date Comment
Comments 2
Date Comment
06/2022 Fixed rate
Payment History
2023 30 60 90
2022
2021
Account Details
Credit Limit Account Type REVOLVING
Balance $0 Date Opened Oct 04, 2021
Amount Past Due Date Reported Apr 30, 2023
Actual Payment Amount Date of Last Payment Sep 2022

Loan Type Line of Credit Date Closed
Date of First Delinquency Dec 2022
Comments Contact

Fixed rate
1-855-997-3100

2.14 TD BANK USA/TARGET CREDIT (CLOSED)
Summary
Account History
Balance
2022 $3,961 $3,997 $4,279 $4,826 $5,115 $5,824
2023 $5,609 $5,394 $2,620
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $146 $120 $116 $122 $144 $215
2023 $228 $57 $54
2024
Actual Payment
2022 $1,050 $180 $120 $130

2023 $215 $215 $2,774
2024
High Credit
2022 $5,065 $5,065 $5,065 $5,065 $5,115 $5,824
2023 $5,824 $5,824 $5,824
2024
Credit Limit
2022 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000
2023 $5,000 $5,000 $5,000
2024
Amount Past Due
2022 $865
2023 $865 $878
2024
Activity Designator
2022 C
2023 C C C
2024
Comments 1
Date Comment

Comments 2
Date Comment
Payment History
2023 150 150 150
2022 30 60 90 120
2021
2020
2019
2018
2017
2016
Account Details
Balance $0 Date Opened Apr 17, 2012
Amount Past Due Date Reported May 14, 2023
Actual Payment Amount Date of Last Payment Apr 2023

Date of Last Activity Apr 2023 Scheduled Payment Amount
Loan Type Credit Card Date Closed Oct 2022
Comments Contact
Account paid for less than full balance TD BANK USA/TARGET CREDIT
7000 TARGET PARKWAY N, MAIL STOP NCD-0450
BROOKLYN PARK, MN 55445

2.15 COMENITYCAPITAL/ZALES (CLOSED)
Summary
Account History
Balance
2022
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023
2024
Actual Payment
2022

2023
2024
High Credit
2022
2023
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2022
2021

2020
2019
Account Details
Balance $0 Date Opened Nov 29, 2019
Amount Past Due Date Reported Jan 02, 2023
Actual Payment Amount Date of Last Payment Dec 2020
Date of Last Activity Dec 2020 Scheduled Payment Amount
Loan Type Charge Account Date Closed Nov 2022
Comments Contact
Account closed by credit grantor COMENITYCAPITAL/ZALES

PO BOX 182120
COLUMBUS, OH 43218

2.16 SYNCB/JC PENNEYS (CLOSED)
Summary
Account History
Balance
2022 $196 $149 $102 $0
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $29 $29 $29
2023
2024
Actual Payment
2022 $50 $50 $50

2023
2024
High Credit
2022 $842 $842 $842 $842
2023
2024
Credit Limit
2022 $2,500 $2,500 $2,500 $2,500
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2022
2021

2020
2019
2018
2017
2016
Account Details
Balance $0 Date Opened Dec 23, 2011
Amount Past Due Date Reported Jan 02, 2023
Actual Payment Amount Date of Last Payment May 2022
Date of Last Activity May 2022 Scheduled Payment Amount
Loan Type Charge Account Date Closed Oct 2022
Comments Contact
Account closed by credit grantor SYNCB/JC PENNEYS

4125 WINDWARD PLAZA
ALPHARETTA, GA 30005

2.17 SYNCHRONY NETWORKS (CLOSED)
Summary
Account History
Balance
2022
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023
2024
Actual Payment
2022

2023
2024
High Credit
2022
2023
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2022
2021

2020
2019
Account Details
Balance $0 Date Opened Jul 14, 2019
Amount Past Due Date Reported Aug 18, 2022
Loan Type Charge Account Date Closed May 2022
Comments Contact
Account closed by credit grantor SYNCHRONY NETWORKS

C/O P.O. BOX 965036
ORLANDO, FL 32896
1-866-396-8254

2.18 SYNCB/CARE CREDIT (CLOSED)
Summary
Payment History
2021
2020
2019
2018
2017
Account Details
Balance $0 Date Opened May 03, 2017

Amount Past Due Date Reported Sep 13, 2021
Loan Type Charge Account Date Closed Jun 2021
Comments Contact
Account closed by credit grantor SYNCB/CARE CREDIT

C/O P.O. BOX 965036
ORLANDO, FL 32896
1-866-396-8254

2.19 SYNCHRONY NETWORKS (CLOSED)
Summary
Payment History
2021
2020
2019
2018
2017
2016
2015
Account Details

Loan Type Charge Account Date Closed Jun 2021
Comments Contact
Account closed by credit grantor SYNCHRONY NETWORKS

C/O P.O. BOX 965036
ORLANDO, FL 32896
1-866-396-8254

2.20 BARCLAYS BANK DELAWARE (CLOSED)
Summary
Account Number xxxxxxxx 4553 Reported Balance $0
Payment History
2020
2019
2018
Account Details
Date of Last Activity Feb 2019 Scheduled Payment Amount

Loan Type Credit Card Date Closed Sep 2020
Comments Contact
Account closed due to inactivity BARCLAYS BANK DELAWARE

PO BOX 8803 ATT: CREDIT BUREAU
1-888-232-0780

2.21 CAPITAL ONE (CLOSED)
Summary
Payment History
You currently do not have any Payment History in your file.
Account Details
Balance $0 Date Opened Nov 27, 2010
Actual Payment Amount Date of Last Payment Jan 2015
Date of Last Activity Jan 2015 Scheduled Payment Amount
Loan Type Credit Card Date Closed Aug 2016

Comments Contact
Account closed by credit grantor CAPITAL ONE

PO BOX 31293
1-800-955-7070

3. Mortgage Accounts
Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off.
You currently do not have any Mortgage Accounts in your file.

4. Installment Accounts
Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans.
4.1 DEPT OF ED/NELNET
Summary
Account Number xxxxxxxxxxx 4543 Reported Balance $6,099
Account History
Balance
2022
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023
2024
Actual Payment

2022
2023
2024
High Credit
2022
2023
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
Account Details

Credit Limit Account Type INSTALLMENT
Terms Frequency DEFERRED Term Duration 0
Amount Past Due $0 Date Reported Feb 01, 2024
Actual Payment Amount Date of Last Payment
Deferred Payment Start Date Jul 2024 Charge Off Amount
Loan Type Education Loan Date Closed
Comments Contact
Student loan - payment deferred DEPT OF ED/NELNET

121 SOUTH 13TH ST
LINCOLN, NE 68508

Summary
Account History
Balance
2022
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023
2024
Actual Payment
2022

2023
2024
High Credit
2022
2023
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
Account Details

Terms Frequency DEFERRED Term Duration 0
Amount Past Due $0 Date Reported Feb 01, 2024
Deferred Payment Start Date Jul 2024 Charge Off Amount
Comments Contact
Student loan - payment deferred DEPT OF ED/NELNET

121 SOUTH 13TH ST
LINCOLN, NE 68508

Summary
Account History
Balance
2022
2023 $3,050
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023 $31
2024
Actual Payment
2022

2023
2024
High Credit
2022
2023 $3,000
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2024
2023

2022
Account Details
Comments Contact
DEPT OF ED/NELNET
121 SOUTH 13TH ST
LINCOLN, NE 68508

Summary
Account History
Balance
2022
2023 $2,264
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023 $23
2024
Actual Payment
2022

2023
2024
High Credit
2022
2023 $2,250
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2024
2023

2022
Account Details
Comments Contact
DEPT OF ED/NELNET
121 SOUTH 13TH ST
LINCOLN, NE 68508

Summary
Account History
Balance
2022
2023 $6,074
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023 $59
2024
Actual Payment
2022

2023
2024
High Credit
2022
2023 $6,000
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2024
2023

2022
2021
Account Details
Comments Contact
DEPT OF ED/NELNET
121 SOUTH 13TH ST
LINCOLN, NE 68508

Summary
Account History
Balance
2022
2023 $3,516
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023 $34
2024
Actual Payment
2022

2023
2024
High Credit
2022
2023 $3,500
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2024
2023

2022
2021
Account Details
Comments Contact
DEPT OF ED/NELNET
121 SOUTH 13TH ST
LINCOLN, NE 68508

Summary
Account History
Balance
2022
2023 $3,512
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023 $33
2024
Actual Payment
2022

2023
2024
High Credit
2022
2023 $3,500
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2024
2023

2022
2021
Account Details
Balance $3,527 Date Opened Mar 04, 2021
Comments Contact
DEPT OF ED/NELNET
121 SOUTH 13TH ST
LINCOLN, NE 68508

4.8 COMMUNICATION FCU
Summary
Account Number xxxxxx 5151 Reported Balance $44,587
Account History
Balance
2022 $51,624 $51,117
2023 $50,626 $50,105 $49,582 $48,562 $48,039 $47,530 $46,993 $46,470 $45,944 $45,652
2024 $45,121
Available Credit
2022
2023
2024
Scheduled Payment
2022 $782 $782
2023 $782 $782 $782 $782 $782 $782 $782 $782 $782 $782
2024 $782
Actual Payment
2022 $1,564 $782

2023 $782 $782 $1,564 $782 $782 $782 $782 $782
2024 $782
High Credit
2022 $52,041 $52,041
2023 $52,041 $52,041 $52,041 $52,041 $52,041 $52,041 $52,041 $52,041 $52,041 $52,041
2024 $52,041
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Comments 1
Date Comment
11/2022 Fixed rate
12/2022 Fixed rate
01/2023 Fixed rate
02/2023 Fixed rate

Date Comment
03/2023 Fixed rate
05/2023 Fixed rate
06/2023 Fixed rate
07/2023 Fixed rate
08/2023 Fixed rate
09/2023 Fixed rate
10/2023 Fixed rate
12/2023 Fixed rate
01/2024 Fixed rate
Payment History
2024
2023
2022
Account Details
Balance $44,587 Date Opened Jul 28, 2022

Loan Type Auto Date Closed
Comments Contact
Fixed rate COMMUNICATION FCU

4141 NW EXPRESSWAY
OKLAHOMA CITY, OK 73116
1-405-879-5600

4.9 GMFNANCIAL
Summary
Account Number xxxxxxxx 3776 Reported Balance $26,473
Account History
Balance
2022 $37,498 $37,038 $36,573 $36,110 $35,642 $35,176 $34,709 $34,236 $33,766 $33,290
2023 $32,230 $32,440 $31,961 $31,478 $30,996 $29,926 $29,537 $28,459 $27,960 $27,459
2024 $26,977 $26,473
Available Credit
2022
2023
2024
Scheduled Payment
2022 $586 $586 $586 $586 $586 $586 $586 $586 $586 $586
2023 $586 $586 $586 $586 $586 $586 $586 $586 $586 $586
2024 $586 $586
Actual Payment
2022 $586 $586 $586 $586 $586 $586 $586 $586 $586 $586

2023 $1,173 $586 $586 $586 $1,173 $1,173 $586 $586
2024 $586 $586
High Credit
2022 $42,565 $42,565 $42,565 $42,565 $42,565 $42,565 $42,565 $42,565 $42,565 $42,565
2023 $42,565 $42,565 $42,565 $42,565 $42,565 $42,565 $42,565 $42,565 $42,565 $42,565
2024 $42,565 $42,565
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Comments 1
Date Comment
03/2022 Fixed rate
04/2022 Fixed rate
05/2022 Fixed rate
06/2022 Fixed rate

Date Comment
07/2022 Fixed rate
08/2022 Fixed rate
09/2022 Fixed rate
10/2022 Fixed rate
11/2022 Fixed rate
12/2022 Fixed rate
01/2023 Fixed rate
02/2023 Fixed rate
03/2023 Fixed rate
04/2023 Fixed rate
05/2023 Fixed rate
07/2023 Fixed rate
08/2023 Fixed rate
10/2023 Fixed rate
11/2023 Fixed rate
12/2023 Fixed rate
01/2024 Fixed rate
02/2024 Fixed rate
Payment History
2024
2023
2022
2021

Account Details
High Credit $42,565 Owner JOINT_CONTRACTUAL_LIABILITY
Balance $26,473 Date Opened Jan 02, 2021
Loan Type Auto Date Closed
Comments Contact
Fixed rate GMFNANCIAL

PO BOX 181145
ARLINGTON, TX 76096
1-800-284-2271

Summary
Account Number xxxxx 7722 Reported Balance $1,312
Account History
Balance
2022 $2,699 $2,590 $2,448 $2,304 $2,159 $2,118
2023 $2,068 $1,968 $1,968 $1,918 $1,818 $1,565 $1,438
2024 $1,312
Available Credit
2022
2023
2024
Scheduled Payment
2022 $172 $172 $172 $172 $172
2023
2024
Actual Payment
2022 $2,000 $172 $172 $172

2023 $100 $50 $50 $253 $126
2024 $126
High Credit
2022 $5,000 $5,000 $5,000 $5,000 $5,000
2023
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022 $2,118
2023 $2,068 $1,968 $1,968 $1,918 $1,818 $1,565 $1,438
2024 $1,312
Activity Designator
2022
2023
2024
Comments 1
Date Comment
03/2022 Fixed rate
04/2022 Fixed rate
06/2022 Fixed rate
07/2022 Fixed rate

Date Comment
08/2022 Fixed rate
Comments 2
Date Comment
04/2022 Fixed rate
03/2023 Fixed rate
05/2023 Fixed rate
06/2023 Fixed rate
07/2023 Fixed rate
08/2023 Fixed rate
10/2023 Fixed rate
11/2023 Fixed rate
01/2024 Fixed rate
Payment History
2023 90 CO CO CO CO CO CO CO CO CO CO CO
2022 30 60
2021

Account Details
Amount Past Due $1,312 Date Reported Jan 31, 2024
Actual Payment Amount $126 Date of Last Payment Jan 2024
Months Reviewed 26 Delinquency First Reported Feb 2023
Loan Type Unsecured Date Closed
Date of First Delinquency Nov 2022
Comments Contact

Fixed rate
1-855-997-3100

4.11 US DEPT. OF EDUCATION/GLELSI (CLOSED)
Summary
Account History
Balance
2022
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023
2024
Actual Payment
2022

2023
2024
High Credit
2022
2023
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2023
2022

2021
Account Details
Terms Frequency UNKNOWN Term Duration 0
Balance $0 Date Opened Mar 04, 2021
Date of Last Activity Jan 2023 Scheduled Payment Amount
Loan Type Education Loan Date Closed Feb 2023
Comments Contact
US DEPT. OF EDUCATION/GLELSI
PO BOX 7860
MADISON, WI 53704

4.12 COMMUNICATION FCU (CLOSED)
Summary
Account Number xxxxxx 5150 Reported Balance $0
Account History
Balance
2022 $35,187 $34,821 $34,453 $34,139
2023
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022 $577 $577 $577 $577
2023
2024
Actual Payment
2022 $577 $577 $577

2023
2024
High Credit
2022 $43,829 $43,829 $43,829 $43,829
2023
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Comments 1
Date Comment
03/2022 Fixed rate
04/2022 Fixed rate
05/2022 Fixed rate
06/2022 Fixed rate

Payment History
2022
2021
2020
2019
Account Details
Balance $0 Date Opened Jun 27, 2019
Actual Payment Amount $34,339 Date of Last Payment Jun 2022
Date of Last Activity Jun 2022 Scheduled Payment Amount
Loan Type Auto Date Closed Aug 2022

Comments Contact
Fixed rate COMMUNICATION FCU

4141 NW EXPRESSWAY
1-405-879-5600

4.13 ME CREDIT UNION (CLOSED)
Summary
Account Number xxxxxxx 0501 Reported Balance $0
Payment History
2021
2020
2019
2018
2017
2016
Account Details

Balance $0 Date Opened Jul 01, 2016
Amount Past Due Date Reported May 31, 2021
Actual Payment Amount Date of Last Payment Jun 2019
Date of Last Activity Jun 2019 Scheduled Payment Amount
Loan Type Auto Date Closed Jun 2019
Comments Contact
ME CREDIT UNION
101 N WALKER
1-405-297-2995

4.14 KIA FINANCE AMERICA (CLOSED)
Summary
Account Number xxxxxxxxxx 7405 Reported Balance $0
Payment History
Account Details
Loan Type Auto Date Closed Jul 2019

Comments Contact
Fixed rate KIA FINANCE AMERICA

10550 TALBERT AVE PO 2000382
FOUNTAIN VALLEY, CA 92708
1-800-523-4030

Summary
Payment History
Account Details
Balance $0 Date Opened Sep 12, 2013
Actual Payment Amount $14,752 Date of Last Payment Jul 2016
Loan Type Auto Date Closed Jul 2016

Comments Contact
ME CREDIT UNION
101 N WALKER
1-405-297-2995

Summary
Payment History
Account Details
Balance $0 Date Opened Jan 24, 2013
Actual Payment Amount $64 Date of Last Payment Jul 2014
Loan Type Unsecured Date Closed Jul 2014

Comments Contact
ME CREDIT UNION
101 N WALKER
1-405-297-2995

5. Other Accounts
Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support
obligations or rental agreements.
5.1 ESUSU/HRG MANAGEMENT LLC
Summary
Account History
Balance
2022
2023 $0 $0 $0 $0 $0 $0
2024
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023 $1,560 $1,560 $1,560 $1,560 $1,560 $1,560
2024

Actual Payment
2022
2023 $1,560 $1,560 $1,560 $1,560 $1,560
2024
High Credit
2022
2023 $1,560 $1,560 $1,560 $1,560 $1,560 $1,560
2024
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History

2024
2023
2022
2021
2020
Account Details
Credit Limit Account Type OTHER
Actual Payment Amount $1,560 Date of Last Payment Jan 2024
Date of Last Activity Jan 2024 Scheduled Payment Amount $1,560
Loan Type Rental Agreement Date Closed
Comments Contact
ESUSU/HRG MANAGEMENT LLC

215 WEST 125TH STREET SUITE410
NEW YORK, NY 10027
1-646-664-8947

5.2 PINATA RENT, INC
Summary
Account Number xxxxxxxxxxxxxxxx RB93 Reported Balance $0
Account History
Balance
2022
2023 $0 $0
2024 $0
Available Credit
2022
2023
2024
Scheduled Payment
2022
2023 $1,795 $1,795
2024 $1,795
Actual Payment
2022

2023 $1,795 $1,795
2024 $1,795
High Credit
2022
2023 $1,795 $1,795
2024 $1,795
Credit Limit
2022
2023
2024
Amount Past Due
2022
2023
2024
Activity Designator
2022
2023
2024
Payment History
2024
2023

2022
2021
2020
Account Details
Credit Limit Account Type OTHER
Actual Payment Amount $1,795 Date of Last Payment Jan 2024
Date of Last Activity Jan 2024 Scheduled Payment Amount $1,795
Loan Type Rental Agreement Date Closed
Comments Contact
PINATA RENT, INC

131 VARICK STREET PINATA
NEW YORK, NY 10013
1-909-314-1712

6. Consumer Statements
Consumer Statements are explanations of up to 100 words you can attach to your credit file to provide more information on an item you
may disagree with or would like to provide details on. Consumer statements are voluntary and have no impact on your credit score.
You currently do not have any Consumer Statements in your file.

7. Personal Information
Creditors use your personal information primarily to identify you. This information has no impact on your credit score.
Identification
Identification is the information in your credit file that indicates your current identification as reported to Equifax. It does not affect your
credit score or rating.
Name TIFFANY BROOKS
Formerly known as TIFFANY BABIAK
Social Security Number xxxxx 8842
Age or Date of Birth Feb 27, 1987
Other Identification
You currently do not have any Other Identifications in your file.
Alert Contact Information
You currently do not have any Alert Contacts in your file.
Contact Information
Contact information is the information in your credit file that indicates your former and current addresses as reported to Equifax. It does
not affect your credit score or rating.
Address Status Date Reported
14391 TIMBERDALE DR Current Mar 13, 2024

CHOCTAW, OK 73020
14407 RAMBLEWOOD TER Former Mar 09, 2024

CHOCTAW, OK 73020
14816 TWELVE OAKS DR Former Jun 01, 2021

CHOCTAW, OK 73020
6716 LYREWOOD LN APT 76 Former Mar 29, 2020

1603 S CHOCTAW AVE Former Aug 28, 2016

EL RENO, OK 73036
501 POINTE PARKWAY BLVD APT 4221 Former Sep 27, 2015
YUKON, OK 73099

4200 N MERIDIAN AVE APT 502 Former Nov 04, 2019
3026 SW 89TH ST APT O Former Dec 03, 2012

4021 NW 31ST ST Former Nov 20, 2013

605 E BOUSE DR Former Dec 30, 2015

MIDWEST CITY, OK 73110
Employment History
Employment history is the information in your credit file that indicates your current and former employment as reported to Equifax. It
does not affect your credit score or rating.
You currently do not have any Employment History in your file.

8. Inquiries
A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and
those that do not.
Hard Inquiries
Inquiries that may impact your credit rating/score

These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years.
Date Company Request Originator
Jan 05, 2024 CAPITAL ONE BANK USA NA
15000 Capital One Dr

Richmond, VA 23238
Nov 11, 2023 FORTIVA/TBOM
5 CONCOURSE PARKWAY
ATLANTA, GA 30328
1-877-785-7908
Oct 02, 2023 XACTUS GREAT PLAINS NATIONA
31550 WINTERPLACE PKWY

SALISBURY, MD 21804
1-833-246-1581
Sep 27, 2023 EQUIFAX MORTGAGE SERVICES CFCU-MORTGAGE
205 W FOURTH ST STE 400

CINCINNATI, OH 45202
1-513-651-6280
Jul 09, 2022 COMMUNICATION FEDERAL CREDIT
4141 NW EXPRESSWAY SUITE 200

1-405-879-5678
Jul 09, 2022 KIA FINANCE AMERICA
10550 TALBERT AVE PO 2000382

FOUNTAIN VALLEY, CA 92708
1-800-523-4030
Jul 09, 2022 ORRKLAHOMA MOTORS INC
339 SW 74TH ST

1-405-898-8800
Soft Inquiries
Inquiries that do not impact your credit rating/score

These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor
or your own requests to check your credit file. They may remain on your file for up to 2 years.
Date Company Request Originator Description
Mar 16, 2024 TRUSTED ID/EQUIFAX ID Report
Mar 14, 2024 CREDIT KARMA, INC Direct to Consumer Report
Mar 12, 2024 CITIBANK NA Account Review Inquiry
Mar 07, 2024 CREDIT KARMA, INC. Credit Report
Mar 05, 2024 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Feb 27, 2024 CAPITAL ONE NATIONAL ASSOC Account Review Inquiry
Jan 23, 2024 CITI CARDS CBNA Account Review Inquiry
Jan 20, 2024 XACTUS Prequalification for Installment (not Mortgage,

Auto, Home Equity)
Jan 17, 2024 EQUIFAX INFORMATION SVS Automated Consumer Interview System
Jan 16, 2024 COMMUNICATION FEDERAL CREDIT Account Review Inquiry
Jan 04, 2024 CREDIT KARMA, INC Direct to Consumer Report
Jan 02, 2024 EQUIFAX INFORMATION SVS Automated Consumer Interview System
Dec 12, 2023 RBS CITIZENS NA Account Review Inquiry
Nov 11, 2023 FORTIVA/TBOM Prequalification for Credit Card
Nov 11, 2023 VIVINT All other Prequalifications not listed
Nov 11, 2023 VIVINT ID Report
Oct 21, 2023 XACTUS Prequalification for Installment (not Mortgage,

Auto, Home Equity)
Sep 27, 2023 XACTUS, LLC Prequalification for Mortgage
Sep 18, 2023 RANGE VIEW MANAGEMENT LLC Promotional Inquiry
Aug 29, 2023 CAPITAL ONE Promotional Inquiry

Jul 25, 2023 CAPITAL ONE Promotional Inquiry
Jul 22, 2023 XACTUS Prequalification for Installment (not Mortgage,

Auto, Home Equity)
Jul 12, 2023 RANGE VIEW MANAGEMENT LLC Promotional Inquiry
Jul 11, 2023 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Jun 27, 2023 CAPITAL ONE Promotional Inquiry
May 16, 2023 FORTIVA Promotional Inquiry
May 07, 2023 EQUIFAX CONSUMER SERVICES Direct to Consumer Report
Apr 21, 2023 XACTUS, LLC Prequalification for Installment (not Mortgage,
Auto, Home Equity)
Apr 19, 2023 COMENITYBANK/COMENITYCAPITAL Account Review Inquiry
Apr 11, 2023 FORTIVA Promotional Inquiry
Mar 18, 2023 XACTUS, LLC Prequalification for Installment (not Mortgage,
Auto, Home Equity)

9. Public Records
This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, LexisNexis.
They can be contacted at: https://equifaxconsumers.lexisnexis.com
LexisNexis Consumer Center
P.O. Box 105615
Atlanta, GA 30348-5108
Bankruptcies
Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay
on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on
your credit score.
You currently do not have any Bankruptcies in your file.
Judgments
Judgments are a legal status granted by a court that indicates you must pay back an outstanding debt. Judgments stay on your credit
report up to 7 years from the date filed and generally have a negative impact on your credit score.
You currently do not have any Judgments in your file.
Liens
A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and
generally have a negative impact on your credit score.
You currently do not have any Liens in your file.

10. Collections
Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your
credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit
score.
You currently do not have any Collections in your file.

11. Dispute File Information
If you believe that any of the information found on this report is incorrect, there are 3 ways to launch an investigation about the
information in this report.
When you file a dispute, the credit bureau you contact is required to investigate your dispute within 30 days. They will not remove
accurate data unless it is outdated or cannot be verified.
To initiate a dispute online please visit https://www.equifax.com/personal/credit-report-services/credit-dispute/
To check the status or view the results of your dispute please visit https://www.equifax.com/personal/credit-report-services/credit-
dispute/

Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
12. A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer
reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as
agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your
major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/
learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
• You must be told if information in your file has been used against you. Anyone who uses a credit report or another type
of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against
you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.
• You have the right to know what is in your file. You may request and obtain all the information about you in the files of a
consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your
Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
o a person has taken adverse action against you because of information in your credit report;
o you are the victim of identity theft and place a fraud alert in your file;
o your file contains inaccurate information as a result of fraud;
o you are on public assistance;
o you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and
from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.
• You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on
information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or
distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will
receive credit score information for free from the mortgage lender.
• You have the right to dispute incomplete or inaccurate information.If you identify information in your file that is incomplete
or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate,
incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting
agency may continue to report information it has verified as accurate.
• Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting
agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
• Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid
need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies
those with a valid need for access.
• You must give your consent for reports to be provided to employers.A consumer reporting agency may not give out
information about you to your employer, or a potential employer, without your written consent given to the employer. Written
consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore.
• You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.
Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to
remove your name and address form the lists these offers are based on. You may opt out with the nationwide credit bureaus at
1-888-5-OPTOUT (1-888-567-8688).

• The following FCRA right applies with respect to nationwide consumer reporting agencies:
CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE
You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency
from releasing information in your credit report without your express authorization. The security freeze is designed to
prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware
that using a security freeze to take control over who gets access to the personal and financial information in your credit report
may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new
loan, credit, mortgage, or any other account involving the extension of credit.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no
cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a
consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you
are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or
entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing
or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line
increases, and account upgrades and enhancements.
• You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a
furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
• Identity theft victims and active duty military personnel have additional rights. For more information,
www.consumerfinance.gov/learnmore
States may enforce the FCRA, and many states have their own consumer reporting laws. In
some cases, you may have more rights under state law. For more information, contact your
state or local consumer protection agency or your state Attorney General. For information
about your federal rights, contact (see next page):

TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of a.Consumer Financial Protection Bureau 1700 G Street,
over $10 billion and their affiliates N.W.Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit b.Federal Trade Commission Consumer Response Center 600
unions also should list, in addition to the CFPB: Pennsylvania Avenue, N.W. Washington, DC 20580 (877) 382-4357
2.To the extent not included in item 1 above: a.National banks, federal a.Office of the Comptroller of the Currency Customer Assistance
savings associations, and federal branches and federal agencies of Group P.O. Box 53570 Houston, TX 77052
foreign banks
b.State member banks, branches and agencies of foreign banks (other

b.Federal Reserve Consumer Help Center P.O. Box 1200
than federal branches, federal agencies, and Insured State Branches
Minneapolis, MN 55480
of Foreign Banks), commercial lending companies owned or controlled
by foreign banks, and organizations operating under section 25 or 25A
of the Federal Reserve Act.
c.Nonmember Insured Banks, Insured State Branches of Foreign

Banks, and insured state savings associations c.Division of Depositor and Consumer Protection National Center
for Consumer and Depositor Assistance Federal Deposit Insurance
d.Federal Credit Unions Corporation 1100 Walnut Street, Box #11 Kansas City, MO 64106
d.National Credit Union Administration Office of Consumer Financial

Protection (OCFP) 1775 Duke Street Alexandria, VA 22314
3.Air carriers Asst. General Counsel for Office of Aviation Consumer Protection
Department of Transportation 1200 New Jersey Avenue, S.E.
Washington, DC 20590
4.Creditors Subject to the Surface Transportation Board Office of Public Assistance, Governmental Affairs, and Compliance
Surface Transportation Board 395 E Street, SW Washington, DC
20423
5.Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Division Regional Office
6.Small Business Investment Companies Associate Administrator, Office of Capital Access United States
Small Business Administration 409 Third Street, SW, Suite 8200
Washington, DC 20416
7.Brokers and Dealers Securities and Exchange Commission 100 F Street, N.E. Washington,
DC 20549
8.Institutions that are members of the Farm Credit System Farm Credit Administration 1501 Farm Credit Drive McLean, VA
22102-5090
9.Retailers, Finance Companies, and All Other Creditors Not Listed Federal Trade Commission Consumer Response Center 600
Above Pennsylvania Avenue, NW Washington, DC 20580 (877) 382-4357

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CREDIT REPORT

TIFFANY BROOKS | Mar 16, 2024 Page 2 of 139

Report Date Mar 16, 2024

Credit File Status File Blocked For Promotional Purposes

Alert Contacts 0 Records Found

Average Account Age 4 Years, 10 Months

Length of Credit History 13 Years, 4 Months

Accounts with Negative Information 10

Oldest Account CAPITAL ONE (Opened Nov 27, 2010)

Most Recent Account CAPITAL ONE (Opened Jan 05, 2024)

Revolving 4 3 $4,153 $3,447 $7,600 55.0% $141

Installment 9 9 $100,190 $23,166 $123,356 81.0% $1,553

Other 2 0 $0 $3,355 $3,355 0.0% $3,355

Total 15 12 $104,343 $29,968 $134,311 38.0% $5,049

Consumer Statements 0 Statements Found

Personal Information 12 Items Found

Inquiries 40 Inquiries Found

Most Recent Inquiry TRUSTED ID/EQUIFAX Mar 16, 2024

Public Records 0 Records Found

Collections 0 Collections Found

TIFFANY BROOKS | Mar 16, 2024 Page 3 of 139

2.1 KOHLS/CAPITAL ONE

Account Number xxxxxxxxxxxx 9661 Reported Balance $1,417

Account Status PAYS_AS_AGREED Available Credit

2022 $841 $912 $901 $870 $848 $827 $816

2024 $1,360 $1,396

2022 $29 $29 $29 $29 $29 $29 $29

2024 $47 $47

TIFFANY BROOKS | Mar 16, 2024 Page 4 of 139

2022 $50 $30 $30 $50 $30 $30 $30

2023 $30 $60 $60 $100 $60 $100 $50 $100

2024 $50 $50

2022 $1,182 $1,182 $1,182 $1,182 $1,182 $1,182 $1,182

2024 $1,525 $1,525

2022 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000

2024 $3,000 $3,000

Amount Past Due

TIFFANY BROOKS | Mar 16, 2024 Page 5 of 139

CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available

High Credit $1,525 Owner INDIVIDUAL

Credit Limit $3,000 Account Type REVOLVING

Terms Frequency MONTHLY Term Duration 0

Balance $1,417 Date Opened Sep 12, 2014

Amount Past Due Date Reported Mar 08, 2024

Actual Payment Amount $50 Date of Last Payment Mar 2024

Date of Last Activity Mar 2024 Scheduled Payment Amount $49

Months Reviewed 99 Delinquency First Reported

Activity Designator Creditor Classification UNKNOWN

Deferred Payment Start Date Charge Off Amount

Balloon Payment Date Balloon Payment Amount

Loan Type Charge Account Date Closed

Date of First Delinquency

TIFFANY BROOKS | Mar 16, 2024 Page 6 of 139

TIFFANY BROOKS | Mar 16, 2024 Page 7 of 139

Account Number xxxxxxxxxxxx 2038 Reported Balance $3,727

Account Status CHARGE_OFF Available Credit

2022 $3,022 $3,018 $3,076 $3,085 $3,727

2022 $85 $92 $119 $140

TIFFANY BROOKS | Mar 16, 2024 Page 8 of 139

2022 $3,055 $3,055 $3,076 $3,085 $3,649

2022 $3,000 $3,000 $3,000 $3,000 $3,000

Amount Past Due